Equifax — unauthorized charges

I cancelled my Equifax in Dec. 2008. Since that time I have been debited every month for a product/service that I am not receiving. I have made approximately ten phone calls and spoken to two supervisors regarding these unauthorized charges. Today I was told that I had to fax three months worth of checking account statements so that Equifax could see the transactions. I have complied with that request. It seems that I, as a consumer, should have legal recourse. Every time I call I am assured that every attempt I have made is being documented. I am at my wits end. If Equifax is doing this to me, and I have been tenaciously trying to resolve this issue without success, I can only assume that they are scamming thousands of other people. Can I file a law suit? It is not the money that I am after... I just want this practice to stop. I am extremely frustrated and disappointed that a company is allowed to operate in this manner.

Responses

I requested a free one time credit report. To get this free report I was required to give them a credit card number. I have had 12.95 a month charge deducted each month. I never signed up or authorized these deductions & want them stopped.
Clois Hicks

One thing that people are not understanding about Equifax, they are a CRA. They do not request your info from the various accounts that you hold. It is the various companies job to report to Equifax, that is what makes up your credit file is what companies report to them. You people act like Equifax is just making up things to put in your credit file, and that is not the case. Example :If whatever company you hold an account with reports that you have a negative account with them, then that is what is on your credit file. It is those account issuers jobs to say what goes on or comes off your credit file, not Equifax's. As far as any charges you may be issued, when you signed up for a certain product that may have been a free trial, it is your responsibility to cancel before you are charged to cancel not Equifax. My suggestion is read all the print in terms of use before you decide to purchase their products.

Well this to the commenter above saying it is your responsiblity to cancel after the free trial.

Th Equifax online site is full of **** I was subscribed to this service for two years Last November I cancelled the subscritions I had because some of the services I was paying for were not accessible by my or active. I did not feel that it was right to continue to take my money for services that I was not receiving. After canceling these services, charges appeared in Decembert on my account for the services that I had cancelled. I called and the charges were refunded within about a week. Then January rolls around, and they charged my account again for the same cancelled services. When I called again they were very adimate about how I hadn't cancelled, and then saying that there was no record that I cancelled my services, but when I told them yes I did, you are not looking at my call history on the account, you can't be, because if you were you would see that I was refunded for non-authorized charges last month, then they oh I see it now...we are going to escalate this matter to the accouting dept...well two days later a refund appeared on my account, but it was not the full amount, so I called again and was told the same mess and that it should be back in my bank account in less than a week, but we need to get your card number, in order to place it back on your card, because you had us to delete your card information when you last called. I told them yes I did, so that I would not have to go through this again with charges on my account. I also stated that why did the one of the charges come back and not all of it, she couldn't answer that but needed my card information to send the ticket to the service dept...Well here it is 02/02/09 and still no refunded charges so I call again and I am told the same thing, but she doesn't ask for my card information, just that she will send the information to the services department, but we need a statement faxed to us showing these charges, (are you kidding me), I told this lady if you are looking at my account profile you will see that this has already been verified and the same thing you are telling me the last person told me, and nothing has been or is getting resolved. Well Ma'am she says, give it a 3 days and if we haven't contacted you or if the refund hasnt been credited call us back.

Once again are you kidding me. So before I hung up, I told her that this was "rediculous and uncalled for, and that I was tired of calling about the same thing, being told the same thing, but nothing happening and what I think I should do is a file a complaint with FTC and the Attorney General, you have a nice day, " and all she could say was o.k. ma'am, you too.

I have suffered the very same thing. I go online to get my free report or one time report and end up getting recurring monthly charges and can not seem to find what it is I am paying for. Its very frustrating becuase I then have to get a new card issued.